FAQs
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Health Sharing FAQ
General FAQ
Medical Cost Sharing plans are not insurance. Unlike insurance, each member of the medical cost sharing community contributes a monthly share amount, which is, then, shared by all members for small and large medical needs that arise.
Initial Unshareable Amount (IUA) is the members personal financial responsibility, before medical bills are able to be shared by the community.
Some of our memberships, which include Minimum Essential Coverage (MEC), are ACA-compliant. However, not all plans meet the Affordable Care Act mandates. To understand which options best suit your needs and comply with ACA requirements, it’s recommended to contact one of our healthcare advisors for more detailed information.
Health conscious individuals and families who align with the principles of cost-sharing and want an alternative to traditional healthcare.
Pre-existing conditions are generally subject to specific waiting periods before they become eligible for sharing. The length of this period can vary depending on the health share community and plan, but it typically ranges from several months to a couple of years of continuous membership.
Healthsharing allows eligible maternity services such as prenatal, delivery, and postnatal care to be shared within the community. However, it’s important to note that if conception occurs before membership begins, the pregnancy will not be eligible for cost-sharing.
Members can choose a provider and facility nationwide with no network restrictions. MEC plans, however, may be subject to network restrictions for preventive care.
Our Medical Cost Sharing memberships typically have no annual or lifetime caps on eligible medical expenses after the IUA is met.
Once medical expenses are submitted, eligible bills are processed and shared within a few weeks, subject to the review and cost-sharing protocols.
MPB Health specializes in health sharing plans, an alternative to health insurance. Our innovating model provides affordability and flexibility.
The enrollment deadline is the twentieth of the month for an effective membership start date of the first of the following month.
A minimum of 3 employees are required for the Employer Group List Bill program.
Business with fewer than 3 employees are still eligible to participate through our individual billing platform.
Eligible needs can be shared no matter where in the world they were incurred and treated if the itemized bill is in English and U.S. dollars.
Some of our plans include preventive services, such as wellness checks and immunizations, to support members in maintaining their long-term health. However, not all plans offer these benefits, so it’s important to review the details of each plan.
Membership costs vary based on factors such as the plan type, family size, the ages of household members, and whether or not there are tobacco or vape users in the household.
MPB Health provides a range of supplemental services, including dental and vision care, to enhance your healthcare membership. Availability of these services depends on the specific plan you choose.
Yes, MPB Health has plans available for businesses looking to offer alternative healthcare solutions for employees.
MPB Health plans are available in most states, so your membership typically remains valid if you move.
However, availability may vary by location, and some states. It is important to check the specific plan details for coverage based on your state of residence.